The Adviser Talk

• Bruce Chats Catchphrases Replace Common Sense

  In today’s financial landscape, it’s easy for investors to get caught up in popular catchphrases like “They're not making any more land” or “Buy the dip”.Bruce Jenks, our Financial Adviser from our Hastings office, warns that when these phrases replace critical thinking, investors may make decisions based on hype instead of fundamental market truths.Catchphrases can be appealing, but they often oversimplify complex decisions and overlook individual circumstances. Successful investing requires discipline that goes beyond catchy phrases.Check out the article by our CEO, Nick Stewart, that was published in Hawke’s Bay Today and NZ Herald Online: When Catchphrases Replace Common Sense: The Dangerous Allure of Investment Folklore⏰ Important time-stamps(1:53) Introduction(3:26) Catchphrase: "Don't put all your eggs in one basket"(4:15) Diversification explained(6:00) Marketing & promotion of investments(7:51) Investing in bricks and mortar(8:41) Catchphrase: "They're not making any more land"(9:37) Catchphrase: "Time in the market beats timing the market"(10:57) Why you should talk to your financial adviser instead of reacting to headlines(15:16) Financial advice isn’t one-size-fits-all(16:22) Catchphrase: "Buy the dip"(18:07) Role of Stewart Group(19:49) Does Stewart Group take a long-term view in financial planning?(20:38) What it means to be fiduciary advisers at Stewart GroupThe Adviser talk is also available on Spotify and Apple Podcast.Bruce Jenks (AIF, J.P.) is a Financial Adviser at Stewart Group and the Director of Stewart Group Trustee Companies, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this article, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

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• Paula Chats KiwiSaver Changes

  The government has rolled out the biggest KiwiSaver shake-up in years, and it's going to impact everyone from teens to top earners.These adjustments could influence your retirement savings. If you’re curious about how they might affect your plans, check out this podcast where Tim Ewen chats with our Financial Adviser, Paula Enticott. They discuss the recent changes to KiwiSaver announced by the government and its potential impact.You can also read her blog on this topic: KiwiSaver Changes in Budget 2025: What This Means for Your Retirement⏰ Important time-stamps(1:18) Introduction(2:10) KiwiSaver changes and the impact(2:59) Retirement mindset in New Zealanders(4:21) Changes introduced in the 2025 budget(05:05) Increase in employer contribution(05:48) Benefits for younger Kiwis entering the workforce(6:22) Should employers be concerned about increased employer contributions?(07:23) Government contribution update(08:30) ACI Funds in Financial Planning(11:17) ACI Funds investment options(12:27) ACI Funds investment strategy and policy(13:15) Unsure about your KiwiSaver scheme?(14:36) Connect with Stewart GroupThe Adviser talk is also available on Spotify and Apple Podcast. Paula Enticott is a Financial Adviser at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this article, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

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• Nick Chats NZ Budget 2025

  In this episode, Nick Stewart, our CEO and Financial Adviser, takes a deep dive into the 2025 Budget delivered by Finance Minister Nicola Willis.From proposed KiwiSaver changes to pay equity adjustments, the budget has sparked plenty of discussion—and concern. Nick unpacks the key elements, explores the challenges ahead and asks the big question: Is this truly a “Growth Budget,” a bold step forward, or just wishful thinking?Don’t miss Nick’s article featured in Hawke’s Bay Today and the NZ Herald Online: Budget 2025: King Canute's Economic Delusion⏰ Important time-stamps(1:01) Introduction(02:05) Nick’s economic insights were mentioned on NewsTalk ZB during a conversation between PM Christopher Luxon and Mike Hosking(02:51) Nick’s take on the 2025 New Zealand Budget(04:46) Is this truly a “growth” budget?(7:13) Productivity for Tradies(8:45) Broader thoughts on productivity and efficiency(12:13) NZ Budget 2025: “Robbing Peter to pay Paul”?(15:24) Impacts of KiwiSaver changes(24:14) Cuts made to pay parity and other areas(28:51) Lessons from King Canute(30:48) Where can you find Stewart GroupThe Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts.Nick Stewart is a Financial Adviser and CEO at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

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• Brent Chats Mums and Finance

  In this episode, Brent Allcock, our Financial Adviser at Stewart Group in Wellington, reminds us that some of the most powerful financial lessons often come from Mums!Research consistently shows that women tend to make smarter investment decisions. They’re more likely to:Prioritise long-term outcomes over short-term gainsSet ego aside when making financial choicesSeek advice when neededSo, what can we learn from the timeless wisdom of “Mum knows best” when it comes to money? Tune in to the podcast to find out!Check out the article by our CEO, Nick Stewart, that was published in Hawke’s Bay Today and NZ Herald Online: "Mum Knows Best: Financial Lessons from Our Mothers."⏰ Important time-stamps(1:01) Introduction(4:12) Mums & Financial lessons(5:59) Budgeting that stood the test of time(8:04) Why women are better investors(9:07) The right way to approach joint financial planning(11:29) Estate planning and joint accounts(13:05) Importance of joint ownership in insurance policies(14:43) Investing as a shared journey for couples(16:58) Do women get the credit they deserve for managing finances?(17:59) Brent's role as a financial coach(19:55) Brent’s key message for aspiring financially savvy individualsThe Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. Follow Stewart Group on Facebook for the latest updates and articles from our team of expert financial advisers. Looking to get your financial house in order, and keep it that way? We can help.Brent Allcock is a Financial Adviser at Stewart Group, a Hawke's Bay and Wellington-based CEFEX certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

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• Bruce Chats Legacy Planning

  In this episode, we are joined by Bruce Jenks, our Financial Adviser at Stewart Group, who shares valuable insights on legacy planning.Legacy planning goes beyond simply writing a will, it involves ensuring that your assets are distributed according to your wishes and protecting the people you care about most. Procrastinating on this important task can lead to unnecessary complications for those you leave behind.It's important to remember that legacy planning is not just for the wealthy or the elderly. Your legacy deserves your attention and proactive action—don’t leave it to chance.📖 Want to dive deeper? Read an article on this topic by our CEO and Financial Adviser, Nick Stewart: Legacy Planning: Preparing for Tomorrow Today⏰ Important time-stamps(1:00) Introduction.(02:02) Legacy planning explained.(02:18) Understanding Enduring Power of Attorney (EPA).(3:24) Is legacy planning only for the elderly or wealthy?(04:32) Risks of not having a will or an Enduring Power of Attorney.(07:58) Transferring physical assets smoothly.(10:49) The role of an executor & choosing the right one.(12:27) How trusts fit into legacy planning.(13:17) What is a Memorandum of Wishes (MOA)?(14:56) Bruce’s recommendation on how to get started with legacy planning.(17:13) Who to contact for help and guidance?(18:30) Why estate plan is essential?(19:35) Finding Stewart Group.The Adviser talk is also available on Spotify and Apple Podcast. Bruce Jenks (AIF, J.P.) is a Financial Adviser at Stewart Group and the Director of Stewart Group Trustee Companies, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this article, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

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